Do you want a rewards card that gives you more for less? Are you tired of rewards cards that look like a good deal, only to find out later that it seems to take forever to earn enough points for redemption? The Westpac Altitude credit card might be worth taking a look at. The annual fee that’s relatively low for a rewards card, two card options to let you maximise your reward points earning potential, and bonus points with your first purchase add up to a pretty great deal!

You can find out more about the Westpac Altitude credit card below to help you decide if this is the right credit card for you.

Type of Credit Card: Balance transfer card, Rewards credit card

Interest Rates*: This credit card features a regular purchase rate of 19.14% and a cash advance rate of 20.99%. However, it does have a very low interest rate on balance transfers through an introductory offer — 1.9% on balance transfers for up to nine months.

Annual Fee*: The Westpac Altitude credit card has a $100 annual fee.

Rewards / Extras*: You’ll earn two Altitude points per dollar spent when you use your American Express credit card or one point per dollar spent when you use your Visa or MasterCard. You can choose from many different rewards when you’re ready to redeem your points, including merchandise and shopping vouchers.

In order to redeem your Altitude rewards points, you must have at least 3000 points in your account. To get you started, you’ll get 5000 bonus points the first time you use one of your new credit cards. Those bonus points will be added to your account within one week of making your first purchase.

There are no caps on the number of points you can earn, and points won’t expire as long as your account is active. However, if your account is behind by two payment cycles, you won’t earn Altitude points on those purchases.

Additional Details*: You’ll receive two credit cards tied to the same account — an American Express and also your choice of either a Visa or MasterCard. You must have a minimum annual income of $15,000 to be eligible for a Westpac Altitude credit card.

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* Interest rates, annual fees, and rewards programme details were taken from the most accurate data available at the time of writing. All rates and fees are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.